Compare Bank & Credit Union Rates
Best CD rates and certificates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 61–75 results in Atlanta, GA metro
- 3.75%APY$312 over 10 months on $10,000
Requirements
Product: Early withdrawal penalties may apply. Flexible dividend payment options. Minimum investment $1,000.
Offer: Promotional certificate rate also effective Sep 1, 2026.
3.68% interest rate · Effective Feb 2, 2026
Rate checked
More details - Georgia's Own Credit UnionCertificates of Deposit (CDs)CD · 12 months · $500 min
Credit union · 13 branches
3.75%APY$375 over 1 year on $10,000Requirements
Product: Penalty applies for early withdrawal. Fees may reduce earnings on an account.
Offer: Interest credited monthly or interest compounded quarterly.
3.70% interest rate · Compounded quarterly
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More details - 3.75%APY$375 over 1 year on $10,000intro rate
Requirements
Product: Fixed annual interest rate for the term of the CD. Early withdrawal may be subject to penalty. Offer not available to funds currently on deposit at Seacoast Bank. At maturity, CD will automatically renew for the same renewal term.
Offer: Special APY applicable to initial term only. Early withdrawal penalty equals the loss of simple interest for six months for maturity greater than one year.
Promotional rate · Effective Oct 3, 2026
Rate checked
More details - Peach State Federal Credit UnionTerm Share Certificate (or CD)CD · 12 months · $1,000 min
Credit union · 12 branches
3.75%APY$375 over 1 year on $10,000Requirements
Product: Early withdrawal penalty: 30 days' dividends for terms 6 to 12 months, 90 days' dividends for terms above 12 months. Fixed dividend rate for the term after opening. Fees could reduce earnings.
3.69% interest rate · Effective Sep 28, 2026
Rate checked
More details - On The Grid FinancialFixed Rate Share Certificate AccountCD · 12 months · $1,000 min
Credit union · 1 branch
3.75%APY$375 over 1 year on $10,000Requirements
Product: Dividends are compounded and credited quarterly. Stated terms range from six months to five years with no monthly fees. Federally insured by NCUA.
Offer: Dividends compounded and credited quarterly. Minimum opening deposit and minimum balance to earn APY is $1,000.00.
3.69% interest rate · Effective Sep 16, 2026
Rate checked
More details - 3.75%APY$375 over 1 year on $10,000
Requirements
Product: $1000.00 minimum required to open Share or IRA Certificate. After your certificate is opened, the dividend rate is fixed for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings on the account. Dividends will be compounded quarterly and will be credited quarterly. If you close your share account before dividends are paid, you will not receive the accrued dividends.
3.70% interest rate · Compounded quarterly · Effective Aug 26, 2026
Rate checked
More details - 3.75%APY$1,168 over 36 months on $10,000
Requirements
Product: Minimum deposit $1,000. Allows member to change the dividend rate once during the term to the current Flex Certificate Rate, add to the certificate once within the first year (minimum $1,000 additional deposit), and make a one-time withdrawal of up to 50% of the current balance without penalty.
3.69% interest rate · Effective Oct 15, 2026
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More details - 3.70%APY$370 over 1 year on $10,000
Balance cap $100,000 · Effective Jul 1, 2026
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More details - Peach State Federal Credit UnionFreedom Term Share Certificate (or CD)CD · 12 months · $2,500 min
Credit union · 12 branches
3.65%APY$365 over 1 year on $10,000Requirements
Product: Early withdrawal penalty applies: 30 days' dividends for terms of 6 to 12 months. After certificate is opened, dividend rate is fixed for the term.
3.59% interest rate · Effective Sep 28, 2026
Rate checked
More details - Together Credit UnionMember Merits (Gold) Certificate of DepositCD · 12 months · $1,000 min
Credit union · 1 branch
3.60%APY$360 over 1 year on $10,000with conditionsRequirements
Product: Gold Member Merit rates available to accounts with household relationship of $25,000 or more in loan and deposit balances. Interest and dividends are paid and compounded monthly based on average daily balance. Early withdrawal penalties apply.
Qualified rate · 3.54% interest rate · Compounded monthly
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More details - 3.56%APY$356 over 1 year on $10,000
Requirements
Product: Dividends compounded and credited quarterly. Penalty imposed for early withdrawal. No setup or maintenance fees. Must maintain a minimum average daily balance of $500 to obtain disclosed APY.
3.50% interest rate · Effective Dec 23, 2025
Rate checked
More details - 3.50%APY$350 over 1 year on $10,000
Requirements
Product: Minimum opening deposit is $500.00. 91-day and 182-day certificates are simple interest certificates with dividends credited at maturity and monthly respectively. Other terms have dividends compounded and credited quarterly. Term Share accounts are subject to credit union membership.
Offer: 1-Year term. Dividends compounded and credited quarterly. Minimum opening deposit $500.00.
Effective Oct 1, 2026
Rate checked
More details - 3.50%APY$350 over 1 year on $10,000
Requirements
Product: Interest is compounded quarterly. Penalty applies for any early partial withdrawal. Fees may reduce earnings on an account. Additional deposits are permitted until the account balance reaches the maximum balance of $25,000. One (1) penalty-free, full balance withdrawal is permitted per term resulting in the account being closed, but cannot be completed within the first six (6) days after account opening, initial/subsequent deposits, or partial withdrawal. Limit of one (1) open Flex CD account per Primary Owner. A 12-month waiting period applies for subsequent Flex CD account openings per Primary Owner starting on closure date. At maturity, renews into a 1-Year Flex CD.
Offer: Minimum opening deposit is $100 and cannot exceed $25,000. Maximum balance is $25,000.
3.45% interest rate · Compounded quarterly · Balance cap $25,000
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More details - 3.50%APY$350 over 1 year on $10,000
Requirements
Product: Penalty may be imposed for early withdrawal.
Offer: Penalty may be imposed for early withdrawal.
3.44% interest rate · Effective Sep 22, 2025
Rate checked
More details - VyStar Credit Union18-Month Step-Up CertificateCD · 18 months · $500 min · 3.40%–3.50% by balance
Credit union · 5 branches
3.40%APY$514 over 18 months on $10,000intro rateRequirements
Product: Offers a one-time option during the 18-month term to adjust the dividend rate to the current published 18-month Step-up certificate dividend rate. Additional deposits allowed with minimum deposit of $2,000 or more.
Offer: One-time option to adjust rate during 18-month term; add-on deposits minimum $2,000.
Promotional rate · 3.34% interest rate · Effective Aug 17, 2026
Rate by balance
Rate by balance for 18-Month Step-Up Certificate Balance APY Up to $50,000Your amount 3.40% $50,000 and up 3.50% Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What CDs pay in Atlanta, GA metro
712 CDs at 70 banks and credit unions · checked Oct 15–22
- Typical
- 3.05%
- Top 10% from
- 4.00%
- Banks, typical
- 1.61%
- Credit unions, typical
- 3.30%
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Atlanta, GA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Peach State Federal Credit UnionCredit union · 12 branches
- MembersFirst Credit UnionCredit union · 10 branches
- American Pride BankBank · 1 branch